ADCB credit cards
Abu Dhabi Commercial Bank P.J.S.C is licensed by the Central Bank of the UAE. Its credit card terms as published on 12 November 2026: interest on purchases and cash 3.69% a month.
Abu Dhabi Commercial Bank P.J.S.C is on the Central Bank of the UAE’s register as a national bank licensed for conventional retail banking in Abu Dhabi.1 The figures below are quoted from its own published documents and include VAT where the bank says so.
What does a ADCB credit card cost you?
| Charge | What the bank publishes |
|---|---|
| Interest on purchases and cash | 3.69% a month |
| Minimum payment | 5% or AED 100, whichever is higher |
| Late payment fee | AED 241.50 |
| Over-limit fee | AED 288.75 |
| Cash advance fee | 3.15% or AED 105, whichever is higher; cash limit 60% of the credit limit |
| Foreign currency fee | 2.99% on foreign currency and on AED payments abroad, 0% on the Traveller card; on foreign currency, a network fee of about 1.15% is added |
| Balance transfers and plans | Up to 3.69% a month; AED 52.50 processing on 0% merchant plans; AED 210 to close early |
| Card replacement | AED 78.75 |
| Liability or no liability letter | AED 52.50 |
The figures come from Schedule of Fees (Effective 1 September 2026).2
ADCB’s schedule says it makes no refund of annual fees when a card is cancelled, and that interest is charged on the daily closing balance from the transaction date to the repayment date when a statement is not paid in full.2
What salary do you need for a ADCB card?
Central Bank rules allow a card only for an annual income of at least AED 60,000, or against a pledged deposit of at least AED 60,000.3 ADCB publishes these minimums:4
| Card | Minimum monthly salary |
|---|---|
| Essential Cashback Credit Card | AED 5,000, or eligibility for a limit of at least AED 3,000 |
How do you complain to ADCB?
Use the bank’s official complaint channel and keep the reference number. Under Central Bank rules ADCB must acknowledge your complaint within 2 business days and send a final written answer within 30 business days.5 If you are not satisfied after 15 calendar days, you can go to Sanadak. The steps are in how to complain about your bank.
Read the bank’s key facts statement for your card before you sign, and compare its rate in the interest calculator.
Sources
5
1Central Bank of the UAE, CB Register as of June 2025. Last checked 12 Nov 2026. Source document: CB Register as of June 2025
2Abu Dhabi Commercial Bank, Schedule of Fees, Effective 1 September 2026. Last checked 12 Nov 2026. Source document: Schedule of Fees
3Central Bank of the UAE, Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards. Effective 23 Mar 2011. Last checked 12 Nov 2026. Source document: Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit Cards
4Abu Dhabi Commercial Bank, Essential Cashback Credit Card. Last checked 12 Nov 2026. Source document: Essential Cashback Credit Card
5Central Bank of the UAE, Consumer Protection Standards, Notice 1158/2021, in force. Last checked 12 Nov 2026. Source document: Consumer Protection Standards
- Owner
- Comparecreditcards.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published